431 Clay St, Mooresville, NC 28115 Property Records

Iredell County property record for 431 Clay St, Mooresville, NC 28115

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,030 sqft · built 1965
Lot Size	0.812 acres (35,346 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Nov 2025)
Tax Bill	$1,660 (2025)
Deeds & Mortgages	Nov 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`4657-80-1923.000`

Property Details

APN / Parcel Number

Primary APN	`4657-80-1923.000`
Alternative APN	`57409500`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,030 sqft Heated Area
Gross Area	1,362 sqft
1st Floor Area	1,030 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,346 sqft (0.812 acres)
Lot Dimensions	258 ft deep x 137 ft wide

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	144 sqft
Patio Area	308 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	57409500
Street Address	431 CLAY ST
City	MOORESVILLE
State	NC
Zip	28115-3244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG
Legal Description	CLAY ST OFF
Legal Subdivision	WEST WILSON AVE
Legal Block	80
Jurisdiction	IREDELL NC
Township / Civil Division	CODDLE CREEK
Census Block Group	2
Census Block	2000
Census Tract	61603

Owner

431 Clay St is owned and occupied by an individual who bought it in November 2025.

Source: Iredell County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	431 CLAY ST, MOORESVILLE, NC 28115-3244
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2025 · Amount on File
Deed Sale	Nov 12, 2025 · Amount on File
Prior Sale	Aug 1, 1986
Deed Book / Page	3175 / 734
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IREDELL NC
Recording Date	Nov 12, 2025
Property Address	431 CLAY ST, MOORESVILLE, NC 28115-3244
Document Number	0003175734
Book / Page	3175 / 734
Instrument Date	Oct 23, 2025
Transaction Type	Transfer
Record Updated	Nov 21, 2025

Transaction

Amount	Amount on Record
Tax	$380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	404 BELL ST, MOORESVILLE, NC 28115-3007

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 CLAY ST, MOORESVILLE, NC 28115-3244

Tax Assessment & Valuation

The 2025 property tax bill for 431 Clay St was $1,660, up 3.8% from the year before.

Source: Iredell County assessment roll, as of April 7, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Iredell County
Municipality	Mooresville Town
Unified School District	Mooresville City Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$122,660 (-) Land $45,100 Building $77,560	$122,660 (-) Land $45,100 Building $77,560
2025	$1,660.00 (+3.75%)	$122,660 (-) Land $45,100 Building $77,560	$122,660 (-) Land $45,100 Building $77,560
2024	$1,600.00 (+1.52%)	$122,660 (-) Land $45,100 Building $77,560	$122,660 (-) Land $45,100 Building $77,560
2023	$1,576.00 (+36.45%)	$122,660 (+63.85%) Land $45,100 Building $77,560	$122,660 (+63.85%) Land $45,100 Building $77,560
2022	$1,155.00	$74,860 Land $27,500 Building $47,360	$74,860 Land $27,500 Building $47,360

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 431 Clay St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 431 Clay St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF MOORESVILLE serves 54,455 people · EPA ID NC0149015
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
TDS Telecom Cable · Fiber in parts of the area	1,000 / 20
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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